Shadow-Banned by My HDFC Ex-RM or Just Bank Bullsh*t

[Donald J. Trump]

1. Nothing, its just your bad luck (for now). More depends on ur income, profession which haven't shared in this thread. Upgrades/LE not always based on existing relationship or spend pattern, but sometimes depends on income, profession and mostly luck.

2. No, LE or decrease solely banks decision. How much they're willing to lend u that upto them, and RBI can't ask them increase ur limit which might increase credit risk in bank terms.

3. That didn't work.

4. No, he/she might have other job rather worrying about ur account. U can't check but mostly ur not eligible for LE currently.

5. 1L/m Limit is sufficient for 3.5L/y spends, IMO. Btw, its been 3 years I received LE from HDFC, all u have to do wait or move on..

If u don't want to be in patience.. can close all cards and re-apply after 6 months (but u have good cards, not advisable).

As per CIBL, ur total credit limit (as per ur shared data): 19.5L

Now, check ur monthly income and is it how many times extra?

-----------

Tip: U only had 3 years relationship with HDFC and already had LE in last May, thats not 1 year. So, can wait till June end to try ur luck again. Otherwise, sending mails is the only route or deal with your new RM (as per their requirement) for LE -- they can't do mostly anything when it comes to LE but can help u upgrade and get higher limit, depends on their satisfaction.

1. Even my pay-scale has increased from the time I wrote this thread but no LE. Even after writing this thread I sent them salary slip & salary a/c statement (last 3 months)

5. I agree that the limit is still decent but I want to UP the game & often times high ticket items, which have HDFC instant card disc. can't be bought with this card because of my limit. You didn't receive a LE as well for the past 3 years....hmmm. Would you mind roughly sharing your credit limit?

Look I don't want to actually close and then apply these cards, because it's a lot of work, unless this is the only way..... because I have LTF Swiggy (still a good card) & millennia. What if I apply next time and they give me moneyback instead of millennia?

As per my CIBIL, my total updated credit limit is 15.01L (because I have put ICICI cards @ 80k per card through iMobile App) which is almost 10 times my monthly income.

Now it's over 1 yr 6 months since I last received my LE; RM asks 50L IP for a Specialé Gold / Specialé Platinum A/c for my mother. Also named some 1.5L/Yr ULIPs/Endowment Plans/Guaranteed Return Plans. Tomorrow he might even ask me to transfer all my properties to him.

 

[Aniket Sharma]

1. Even my pay-scale has increased from the time I wrote this thread but no LE. Even after writing this thread I sent them salary slip & salary a/c statement (last 3 months)

5. I agree that the limit is still decent but I want to UP the game & often times high ticket items, which have HDFC instant card disc. can't be bought with this card because of my limit. You didn't receive a LE as well for the past 3 years....hmmm. Would you mind roughly sharing your credit limit?

Look I don't want to actually close and then apply these cards, because it's a lot of work, unless this is the only way..... because I have LTF Swiggy (still a good card) & millennia. What if I apply next time and they give me moneyback instead of millennia?

As per my CIBIL, my total updated credit limit is 15.01L (because I have put ICICI cards @ 80k per card through iMobile App) which is almost 10 times my monthly income.

Now it's over 1 yr 6 months since I last received my LE; RM asks 50L IP for a Specialé Gold / Specialé Platinum A/c for my mother. Also named some 1.5L/Yr ULIPs/Endowment Plans/Guaranteed Return Plans. Tomorrow he might even ask me to transfer all my properties to him.

Whats your inhand salary?

 

[Donald J. Trump]

Mr. Trump @Donald J. Trump

All banks have some algorithm to give LE's and Upgrades which can't be analyzed by us. As your spending pattern indicates you're milking HDFC from 3 cards. Cover most of your spends offline using Millinea as it will be their co branded card. Keep utilization more than 50% sometimes and pay it on time on your Millinea, if you are not willing to do so, you have an option to increase the limit by doing FD.

Else the best solution would be as you're Potus and President you can use your discretionary powers and put pressure on HDFC for doing so. 😋

For the last 2-3 months kept it at 80% avg. utilisation ratio

Its normal with hdfc enjoy your day.

Use cards wisely, it took me almost 25 email interactions & 3 months of time to get DCBM,

Don't knew whether they will ever give infinia or not or again there will be 50 emails & 6 months of time will be exhausted for infinia.

Try Biz Black 🥹

 

[Donald J. Trump]

Whats your inhand salary?

1.52 L Net Salary (take home/in-hand) drawn from my family's LLP

 

[Aniket Sharma]

1.52 L Net Salary (take home/in-hand) drawn from my family's LLP

Never mention family's llp to hdfc, and maximum they will offer you is regalia gold with 4.5 lacs/5 lacs limit

 

[Donald J. Trump]

Never mention family's llp to hdfc, and maximum they will offer you is regalia gold with 4.5 lacs/5 lacs limit

I never did. The firm's name is totally different & office not even close to my residence

You know Bhanu Rekha, now try convincing her😅

Oh my goddd.
Someday I'll share a story how stupid he/she is & gave away free money.

 

[Donald J. Trump]

Just got dcbm upgrade in march from RG.

So, will think of it next year or atleast after 6 months

Now that 6 months have passed, chaliye bataiye which AI you did integrate & how?

@Donald J. Trump Your best hope is to make a Bank Manager your ally. They can give you a rejection reason or what to do to get those LEs, without which you will be just speculating and playing this courier/email game.

Bank manager's demands for 50L IP & 1.5L/Yr ULIP for LE seems extremely ridiculous to me. In fact he doesn't even give me any vibes of confidence. Seems like a guy who's here to milk this opportunity

She is heading PNO desk of HDFC.

yes & I'm sure she smokes while replying to the emails......
HDFC lost a bit of money to me because of her....
I won't say any further.

 

[Donald J. Trump]

ITR of last year? ITR is everything believe with hdfc they give you limit increase with or without spend very little that 5-7years ago, so the reason you started with 25k is the reason issue it should been some 2L at least, in your cibil any homeloan, car loan plus other bank cc limit is also not great, anything above 5L on every several expect SBI and Public bank they all do good limit, increase your ITR and see the magic if nor your salary and your cibil have something to do.

ITR of last year = 13L approx.

Do you think HDFC is silently starting to behave like SBI Cards? Like the over-leveraged bit?

 

[Donald J. Trump]

Wohooo😍
Another kalesh. Mazaaa aa gya.
Honestly missing @Raavan here😮‍💨

Jokes apart let's keep this thread respectful towards each other without any personal attacks of direct/indirect nature on each other & please do suggest something.

 

[hender]

yes & I'm sure she smokes while replying to the emails......HDFC lost a bit of money to me because of her....

Look I don't want to actually close and then apply these cards, because it's a lot of work, unless this is the only way..... because I have LTF Swiggy (still a good card) & millennia. What if I apply next time and they give me moneyback instead of millennia?
Now it's over 1 yr 6 months since I last received my LE; RM asks 50L IP for a Specialé Gold / Specialé Platinum A/c for my mother. Also named some 1.5L/Yr ULIPs/Endowment Plans/Guaranteed Return Plans. Tomorrow he might even ask me to transfer all my properties to him.

Mr DJT, I read again your complete thread, your Replies too.
1- @SJM have very long credit history, but yours is new 🆕 so this time am on same line as you mentioned.(About not closing card)
2-Its upto the person, but not even worth 50k to be kept unnecessary for CC.
(If any FD is maturing in any PSU, and for the sake of TRV so upto a moderate limit if interest rate are same than no harm in keeping in FD(HDFC).
(Say as of now 6.6 % PA is the best available in big PSU and big Pvt banks for normal Citizen.)
3-You are doing your level best, you can take your choice of route to get it done.
but job in LLP thing, kind of looking deterrent to me as of NOW.
(Although past ITR's 20-40% CC limit is not a big deal- with 4 yrs of continued ITR)

All the best 👍 ☺️ 💯 ✅

 

[Donald J. Trump]

Mr DJT, I read again your complete thread, your Replies too.
1- @SJM have very long credit history, but yours is new 🆕 so this time am on same line as you mentioned.(About not closing card)
2-Its upto the person, but not even worth 50k to be kept unnecessary for CC.
(If any FD is maturing in any PSU, and for the sake of TRV so upto a moderate limit if interest rate are same than no harm in keeping in FD(HDFC).
(Say as of now 6.6 % PA is the best available in big PSU and big Pvt banks for normal Citizen.)
3-You are doing your level best, you can take your choice of route to get it done.
but job in LLP thing, kind of looking deterrent to me as of NOW.
(Although past ITR's 20-40% CC limit is not a big deal- with 4 yrs of continued ITR)

All the best 👍 ☺️ 💯 ✅

Thank you for your reply fellow american, Mr. hender.

2- I have some FD in HDFC, not much but around 1L, MAB on MAMC DigiSave Youth (Semi-Urban, Usually ) is 2500 but I keep above 1L at most times
3- hmmm someday I'll be the partner, then I'll cry about Infinia/BizBlack, but as of now this is my sad reality.

Thank you for your attention to this matter.

~DJT 45' & 47'

 

[Aniket Sharma]

Now that 6 months have passed, chaliye bataiye which AI you did integrate & how?

Nothing trying of holding next year to bump up rewards with 10k per quarter and then in next mid financial year, will ask for upgrade as I have seen some patterns for ais reporting and trying to avoid financial year matching with card anniversary year.

 

[hender]

Thank you for your reply fellow american, Mr. hender.

2- I have some FD in HDFC, not much but around 1L, MAB on MAMC DigiSave Youth (Semi-Urban, Usually ) is 2500 but I keep above 1L at most times
3- hmmm someday I'll be the partner, then I'll cry about Infinia/BizBlack, but as of now this is my sad reality.

Thank you for your attention to this matter.

~DJT 45' & 47'

Do check ✔️ ✅ if converting it to Normal or SB Max can help, you anyways maintaining above that.
(Might be 80 yrs old fellow is being treated as 18, so no Value 😭)

 

[Donald J. Trump]

Do check ✔️ ✅ if converting it to Normal or SB Max can help, you anyways maintaining above that.
(Might be 80 yrs old fellow is being treated as 18, so no Value 😭)

alright will convert it to SB Max or Normal

 

[hender]

alright will convert it to SB Max or Normal

@SSV and other Masters 👍 can better suggest on that !!
But no Harm in upgrade IMHO